🏡 How Does Deed Fraud Happen? Property Fraud 101

Deed fraud—also known as property fraud or title theft—sounds like something out of a movie… but it’s very real, and it’s on the rise. 🕵️‍♀️ Criminals are targeting property owners across Texas and beyond, using forged documents to steal ownership of homes, land, or rental properties without ever stepping foot inside.

Let’s break down how this happens, how to spot it, and—most importantly—what you should do if you suspect it’s happened to you.

🚨 What Is Deed Fraud?

Deed fraud occurs when someone illegally changes the ownership records on a property by filing fake deeds or fraudulent documents with the county. The criminal may pose as the rightful owner and:

• Sell the property to someone else

• Use it to take out loans or lines of credit (using your home as collateral!)

• Transfer the property to their name—without your knowledge

💡 How Does It Happen?

Most county offices accept deed filings without verifying identities in person. That means if someone:

✅ Has your name

✅ Knows your property address

✅ Can fake a signature

✅ And submits the document to the county…

…they might be able to change the title without you even knowing. 😳

Some scammers target:

• Vacant homes

• Investment properties

• Out-of-state or elderly homeowners

• Heirs who’ve recently inherited property

🕵️‍♂️ Signs of Property Fraud

Here are some red flags that could mean someone is messing with your property:

❌ You stop receiving tax bills

📬 You receive notices from unfamiliar lenders

🔑 Someone tries to sell or rent your property

🏢 You see your property listed online—without your permission

📜 You receive documents about a deed transfer you never authorized

📍 Texas-Specific Tip: Your County Can Help

In Texas, County Clerks and County Recorder’s Offices are required to assist you in filing a police report if you suspect deed fraud. That’s right—by law, they must help initiate the process if you report it.

🛠 What to Do If You’re a Victim

If you suspect your home or property has been fraudulently transferred:

1️⃣ Contact Your County Clerk or Recorder’s Office

📞 Call them immediately and explain the situation.

✅ Ask them to flag your property and initiate a fraud report.

📄 Request copies of any recorded documents that look suspicious.

2️⃣ File a Police Report

🚔 The county is required to assist in opening a case, especially in Texas.

📝 Make sure to get a copy of the police report for your records.

3️⃣ Contact a Real Estate Attorney

⚖️ You may need to file a Quiet Title Action to legally undo the fraudulent deed and restore your ownership.

4️⃣ Notify Title Companies and Credit Bureaus

📩 Alert them in case someone tries to take out loans using your property.

5️⃣ Monitor Your Property

🛎 Sign up for Property Fraud Alerts (many Texas counties offer free services).

👁 Regularly check your property records online or through a trusted real estate advisor.

🔐 How to Prevent Deed Fraud

🛡 Be proactive! Here’s how to protect your property:

✅ Use Property Fraud Alert services in your county

✅ Never ignore unexpected notices from mortgage lenders or the tax assessor

✅ Freeze your credit if you’re not using it

✅ Monitor your home title like you monitor your credit

🧠 Final Thoughts

Deed fraud is sneaky, but not unstoppable. With the right vigilance—and by staying informed—you can protect your biggest asset. If you’re not sure whether your property is secure or if a strange document shows up in your mailbox, don’t wait.

Reach out to your REALTOR® or local title company for help investigating.

📝 Have Questions? Want Help Checking Your Property Title?

Let’s talk—I can help you review your title records or connect you with a local title expert.

📅 Schedule a consultation: https://bit.ly/48DeqfC

– Kory White, REALTOR®